Credit Risk Role - BFS

Key Role Responsibilities

- Responsible for researching & analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers.

- Gathering information from credit agencies or analyzing financial information, such as company accounts, balance sheets, assets, trading history and projected growth plans

- Responsible for ongoing review of the credit portfolio and suggest corrective actions if required

- Seeking references and confirming their validity and value

- To present the credit proposal to Risk Committee with recommendations

Key Skills Required:

- Extensive expertise in Credit risk management

- Comprehensive knowledge and experience in conceptualizing & implementing credit risk management framework based on organizations risk appetite

- Credit risk assessment for wholesale and structured lending products

- Lending against Real estate

- Lending against shares

- Lending against charge on book debts and cash flows etc.

- Ability to take credit decisions in a timely manner and present to risk committee with recommendations

- Communicating with business CEO and Risk committee on a regular basis

- Excellent interpersonal and communication skills

- Analytical and thorough, with good attention to detail

- Good planning and organizational skills

- Commercial and economic awareness

- Good numerical skills

- Confidence in handling potential conflict situations

- Ability to manage and resolve complex disputes

- Highly motivated, with ability both to work alone and as part of a management team